Stamp Duty Calculator: Duty and Registration by State
A stamp duty calculator works out the government charges on a property purchase: the stamp duty, the registration fee, the total payable at registration, and the total cost of the purchase once those charges are added to the price. Enter the property value, pick the state, and every figure updates instantly. In Mumbai, for example, stamp duty is 6 percent and registration is 1 percent capped at ₹30,000, so a ₹1 crore flat carries ₹6,30,000 of charges and a total cost of ₹1,06,30,000. It is free and needs no signup.
Enter the property details
The agreement value of the property. Duty is charged on the higher of this value and the government value for the area, so if the government value is higher, enter that instead.
Stamp duty is a state charge, so the rate follows the state where the property sits, not where you live.
Stamp duty in Mumbai is 6 percent: a 5 percent base duty plus a 1 percent metro cess. Registration is 1 percent of the property value, capped at ₹30,000. Other Maharashtra cities charge differently: Pune, Thane and Nagpur add a 1 percent local body tax, so their stamp duty is 7 percent. A woman buying in her sole name in Mumbai pays 5 percent stamp duty. This calculator uses the Mumbai rate; check your exact area rate on the official portal before you pay.
Official source for the final figure: IGR Maharashtra (igrmaharashtra.gov.in).
Your charges
Stamp duty plus registration on ₹1,00,00,000 in Maharashtra (Mumbai).
Results update as you type. This is a planning estimate on the rates and basis shown. Rates change, and the official portal of the state is final. Nothing you enter is stored or sent anywhere.
Stamp duty and registration rates in this calculator
Every rate below is the standard sale deed rate for that state, with its basis. Where a state gives a concession, for example to a woman buyer, or charges a different rate outside the main cities, the basis note under the state selector says so when you pick that state.
| State | Stamp duty | Registration |
|---|---|---|
| Maharashtra (Mumbai) | 6% | 1%, capped at ₹30,000 |
| Gujarat | 4.9% | 1% |
| Delhi | 6% | 1%, plus a ₹100 pasting fee |
| Uttar Pradesh | 7% | 1% |
| West Bengal (urban areas) | 6% up to ₹1 crore, 7% above ₹1 crore | 1% |
Rates change with state budgets and notifications, and the charges are worked out on the higher of your agreement value and the government value of the property. Always confirm the final figure on the official portal of the state before you pay: the portal figure is the one that applies at the sub registrar office.
How stamp duty and registration are calculated
The maths has three steps:
Stamp duty
Property value multiplied by the stamp duty rate of the state, divided by 100. Stamp duty is the state tax that makes the sale deed legally valid.
Registration fee
Property value multiplied by the registration rate, divided by 100, after applying any cap the state sets. Registration records the transfer in the government record at the sub registrar office.
Total payable and total cost
Total payable is stamp duty plus the registration fee. Total cost of purchase is the property value plus the total payable. That total cost is the real budget number for the purchase, before any other charges your agreement adds.
One point buyers miss: the charges follow the government value when it is higher than the price. Two flats at the same price in different parts of a city can carry different charges, because the government value is set locality by locality. Run this calculator on the higher of the two values for a safe budget figure.
Worked example
You buy a flat in Mumbai priced at ₹1,00,00,000 (₹1 crore), and the ready reckoner value is not higher than the price. Stamp duty in Mumbai is 6 percent (5 percent base duty plus 1 percent metro cess), and registration is 1 percent capped at ₹30,000.
The calculator above opens with exactly these numbers, so you can change the value or the state and watch the charges move. A buyer who budgets only the ₹1 crore price is ₹6,30,000 short at registration; a buyer who has run this example first is not.
Use the total cost in the booking conversation
Buyers compare flats on the headline price, then meet stamp duty and registration at the end and feel the deal got costlier. A channel partner who shows the total cost of purchase at the first serious conversation removes that shock: the buyer sees the price, the charges and the full amount together, and the booking that follows is far less likely to stall over money the buyer did not know about.
In Leadvio CRM, the booking, the EOI and the payment milestones sit on the same lead record, so the total cost you quoted at booking is the figure your team follows up against through registration. See Leadvio pricing for plans.
Frequently asked questions
Multiply the property value by the stamp duty rate of the state and divide by 100, then add the registration fee. The value used is the higher of the agreement value and the government value for the area, called the ready reckoner rate in Maharashtra, the circle rate in Delhi and Uttar Pradesh, the guidance value in some states and the guideline value in others. If the government value is higher than your price, duty is charged on the government value.
Stamp duty in Mumbai is 6 percent of the property value: a 5 percent base duty plus a 1 percent metro cess. Registration is 1 percent of the value, capped at ₹30,000, so on most Mumbai homes the registration fee is a flat ₹30,000. Other Maharashtra cities differ: Pune, Thane and Nagpur charge 7 percent because a 1 percent local body tax is added.
Registration in Maharashtra is 1 percent of the property value, with a maximum of ₹30,000. For any property priced above ₹30 lakh, the 1 percent figure crosses the cap, so the registration fee you actually pay is ₹30,000.
In several states, yes. A woman buying in her sole name pays 5 percent in Mumbai instead of 6 percent, 4 percent in Delhi instead of 6 percent, and 6 percent in Uttar Pradesh instead of 7 percent, subject to the conditions of each state. In Gujarat the stamp duty is the same for everyone, but the registration fee is waived for a sole woman buyer. This calculator uses the standard rate for each state, and the basis note under the state selector states the concession where one exists.
No. It covers the standard sale deed rates of the states listed in the selector, on the basis stated for each one. Gift deeds, exchange deeds, leases, rural areas and special categories carry different rates in most states, and rates change with state budgets and notifications. Treat the result as a planning estimate and confirm the final figure on the official portal of your state before you pay.
This calculator does not decide that; lenders set their own rules on what the loan can cover. Plan to keep the stamp duty and registration amount ready from your own funds, and confirm with your lender what, if anything, they will include. The charges are payable at registration, before the purchase is complete.
From total cost to tracked booking
A calculator gives the buyer one honest number. The work after it is keeping the booking, the EOI, the registration step and the commission on one record, so nothing agreed at the booking table is lost later. Leadvio does that inside the same CRM that holds your leads, site visits and follow-ups.
- Booking and EOI records with payment milestones
- Commission slabs tracked per project and developer
- Free for up to 3 users, with no time limit